Final Expense Insurance is the easiest way to make sure that you have covered the cost of your funeral and final bills.
Nobody wants to talk about it but dying is expensive! The average funeral ranges between $10,000 to $12,000 in 2020. And the average cremation is between $3,000 to $6,000.
If you have the cash put away for these expanses, then you might not need a Final Expense plan. But if you don’t have the money right now, you are gambling with your loved ones. They will be responsible for the bills if you leave them money behind or not.
Here is a few FACTS you need to know:
Your Rate will not increase as you get older or if your health declines.
As long as you make your payments, your policy will remain active.
Your coverage amount will not decrease due to age or health.
No Exam Required
Most insurance companies only require a Prescription history check and Medical history check.
Tax Free Benefit
Life Insurance most of the time is not taxed when it's paid out. If you have a $10K policy, that is the amount your beneficiary will get.
30-Day Free Look
You have 30 days to decided. If you don't like something about it, return it. Full refund & no questions asked.
You have 3 options based on your health
A level benefit plan is one where you say “no” to all or “most” of the health questions on the application. If you are approved for this plan, your coverage will be 100% from day one, and you’ll pay the lowest price they offer. We can get many people approved for level coverage who have been told they can’t qualify by other agents
If you have bigger recent health issues a Graded plan might be right for you. Graded plans provide partial coverage during the first two years of the policy. For example; Most graded plans will pay out 30% in the first 12 month’s and 70% from 12 to 24 month’s. After the 24th month the policy will pay 100%. Accidental death pays 100%
These are the plans you see on TV, they don’t ask you any health questions. If you die from a medical condition in the first 24 month’s they will return every dollar you have given them, they will not pay out the death benefit. After 2 years it will pay 100%. Accidental death pays 100% of the death benefit
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Most frequent questions and answers
We can, but we will be limited by the options we have. Most Insurance companies don’t allow sales over the phone. By choosing to do everything over the phone you are eliminating some of the most affordable companies we can use.
If you do NOT have the money (around $8,500 for a burial or around $3,500 for a cremation) in the bank right NOW to take care of your final expenses, then you need a policy.
It is just the amount of coverage that you get. A burial plan is $10,000 in coverage or less, it’s just used to cover the burial cost itself. Anything more then $10,000 in coverage we call a Final Expense plan because you will use the money for other bills that are left behind which are your Final Expenses. Both plans are “Whole Life” and everything else is the same.